• Existing Employee (“Referrer”) can refer their colleagues, friends, or relatives (“Referee”) who are interested in availing personal loan and earn the reward on the terms contained here in below.

Eligibility:

• This is applicable for all permanent employees of Equitas Small finance bank. The Program is available for all Employees of Equitas Small finance bank subject to have fulfilled the below

o Have filled the referral form; and

o Their referees have been successfully issued an Equitas Credit Card and have activated the card.

• The Bank reserves the right to amend, withdraw, or discontinue the referral program at its discretion.

• The referral scheme would be applicable on only credit card issued by ESFB bank

• This Referrer will not be eligible for Reward when the Referrer refers oneself.

• All credit card issued shall be at the sole discretion of ESFB.

• Equitas Small Finance Bank has legitimate expectations from the Referrer (s) that the details so provided of Referred Applicant (s) have been provided post seeking and receiving unequivocal consent from the respective Referred Applicants. The Referrer (s) shall be solely responsible in case any dispute arises with regard to sharing of such details of Referred Applicants

• Further Referrer shall not be entitled to the Reward under the Programme, if the details provided, of Referee are found to be incomplete or incorrect or invalid.

• Payouts to the referrer will only be given post successful activation of credit card to the referee in the payroll as per the payroll cut-off timelines subject to referral criteria getting met